Systems and methods for secure and transparent cardless transactions
First Claim
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1. A method for authorizing a transaction between a consumer and a merchant, the method comprising:
- receiving, at a server of a non-merchant entity, a consumer message directly from an access device used by the consumer, wherein the consumer message includes;
account identifier of an account of the consumer to be used for the transaction;
receiving, at the non-merchant server, an amount associated with the transaction;
sending, to a merchant server from the non-merchant server, a funding message including the transaction identifier; and
providing, to the merchant server from the non-merchant server, code that is incorporated into an application page that is sent from the merchant to the consumer before the non-merchant server receives the consumer message, wherein the code provides a link to other code that directs the consumer message to the non-merchant server, the consumer message being created from information in the application page,wherein the non-merchant entity is associated with an issuer of the consumer'"'"'s account, and wherein the non-merchant entity creates at least a portion of the account identifier.
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Abstract
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
183 Citations
19 Claims
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1. A method for authorizing a transaction between a consumer and a merchant, the method comprising:
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receiving, at a server of a non-merchant entity, a consumer message directly from an access device used by the consumer, wherein the consumer message includes; account identifier of an account of the consumer to be used for the transaction; receiving, at the non-merchant server, an amount associated with the transaction; sending, to a merchant server from the non-merchant server, a funding message including the transaction identifier; and providing, to the merchant server from the non-merchant server, code that is incorporated into an application page that is sent from the merchant to the consumer before the non-merchant server receives the consumer message, wherein the code provides a link to other code that directs the consumer message to the non-merchant server, the consumer message being created from information in the application page, wherein the non-merchant entity is associated with an issuer of the consumer'"'"'s account, and wherein the non-merchant entity creates at least a portion of the account identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for authorizing a transaction between a consumer and a merchant, the system comprising:
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a server of a non-merchant entity having an external interface for receiving a consumer message from an access device used by the consumer, wherein the consumer message includes; account identifier of an account of the consumer to be used for the transaction; one or more processors; and one or more memory devices containing instructions for directing the one or more processors to; send, to a merchant server from the non-merchant server, a funding message including the transaction identifier; and provide, to the merchant server from the non-merchant server, code that is incorporated into an application page that is sent from the merchant to the consumer before the non-merchant server receives the consumer message, wherein the code provides a link to other code that directs the consumer message to the non-merchant server, the consumer message being created from information in the application page, wherein the non-merchant entity is associated with an issuer of the consumer'"'"'s account, and wherein the non-merchant entity creates at least a portion of the account identifier. - View Dependent Claims (9, 10, 11, 12)
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13. A computer program product comprising a non-transitory computer readable medium encoded with a plurality of instructions for controlling a processor to perform an operation for authorizing a transaction between a consumer and a merchant, the instructions comprising:
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receiving, at a server of a non-merchant entity, a consumer message directly from an access device used by the consumer, wherein the consumer message includes; account identifier of an account of the consumer to be used for the transaction; receiving, at the non-merchant server, an amount associated with the transaction; sending, to a merchant server from the non-merchant server, a funding message including the transaction identifier; and providing, to the merchant server from the non-merchant server, code that is incorporated into an application page that is sent from the merchant to the consumer before the non-merchant server receives the consumer message, wherein the code provides a link to other code that directs the consumer message to the non-merchant server, the consumer message being created from information in the application page, wherein the non-merchant entity is associated with an issuer of the consumer'"'"'s account, and wherein the non-merchant entity creates at least a portion of the account identifier. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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Specification